Checked.be
Active
BE 0676.768.307Private limited company
UZAM
Hoogstraat 411 ·1000 Brussel, Belgium· 9 yrs active
Sector: Non-specialised retail sale with food, beverages or tobacco predominating
(47110)
Conclusion
The computed 12-month bankruptcy probability of UZAM is 1.9% (moderate). The 2025 annual accounts show equity of €53k and a net result of €11k. Equity is growing by ~24.3% per year across the filed fiscal years. Its solvency ranks better than 35% of 17366 sector peers (fiscal year 2025). The company has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 6 annual accounts.
Key figures
| Equity | €53k |
| Net result | €11k |
| Staff (FTE) | 2.9 |
| Better than sector | 35% |
Financial profile
65
/ 100
Strong profile, led by stability.
All 5 axes are computed from data Checked has read.
Health
68
Profitability
48
Solvency
25
Growth
85
Stability
100
Bankruptcy probability (12 mo)
Risk Assessment
0 / 100
Low riskTrust signals
More than 3 years active
Founded in 2017, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Checked score
68
/ 100
Healthy
Computed from 6 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
Indicative credit limit
€4k
estimate, not credit advice
Score history
15
2020
40
2021
79
2022
86
2023
43
2024
68
2025
purely financial, excl. current insolvency signals
Score components
Liquidity
Current ratio 1.09 (≥ 1.0)
+5
Quick ratio
Quick ratio 0.06 (< 0.6)
-5
Leverage
Debt/equity 4.68 (> 3.0)
-10
Profitability
ROE 22% (≥ 10%)
+10
EBITDA margin
EBITDA-marge 3%
+2
Interest coverage
Interest coverage 4.3× (≥ 3×)
+8
Profit trend
Net profit up YoY
+5
Equity growth
Equity growing YoY
+3
Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.
Financial overview
Annual accounts filed on 30-07-2026 with the NBB · fiscal year 2025 · micro schema
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
growing
Equity: growth of ~24.3%/year over 6 fiscal years, indicative, assuming unchanged policy.
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?
The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
Sector comparison
Fiscal year 2025 · NACE 47, Retail trade · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 17.6% | 34.6% | |
| Net result | €11k | €5k | |
| Equity | €53k | €44k | |
| Gross operating margin | €123k | €34k | |
| Staff costs | €94k | €40k |
€931k
+64.8%
20-25
€25k
+179.6%
20-25
€11k
+739.8%
20-25
€12k
+138.8%
20-25
€300k
+16.8%
20-25
€53k
+27.7%
20-25
€23k
+37.0%
20-25
3
+52.6%
20-25
€94k
+35.0%
20-25
€7k
+470.2%
20-25
€247k
+14.7%
20-25
€247k
+14.7%
20-25
1.09
+1.4%
20-25
0.06
-88.9%
20-25
17.6%
+9.4%
20-25
4.68
-10.2%
20-25
21.7%
+557.7%
20-25
3.8%
+619.2%
20-25
1.2%
+409.5%
20-25
2.7%
-
20-25
4.29
-56.8%
20-25
Figures by fiscal year and ratios
| Fiscal year | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Deposit | micro schema | micro schema | micro schema | micro schema | micro schema |
| Revenue | €931k | €565k | - | - | €447k |
| EBITDA | €25k | - | - | €9k | €-6k |
| Net profit | €11k | €1k | €15k | €3k | €-8k |
| Cash flow | €12k | - | - | €5k | €-6k |
| Staff costs | €94k | €70k | €74k | €21k | €54k |
| Income taxes | €7k | €1k | €3k | €3k | - |
| Dividends | - | - | - | - | - |
| Total assets | €300k | €257k | €84k | €56k | €34k |
| Equity | €53k | €41k | €40k | €25k | €22k |
| Debt | €247k | €215k | €44k | €31k | €12k |
| of which ≤ 1y | €247k | €215k | €44k | €31k | €12k |
| of which > 1y | - | - | - | - | - |
| Working capital | €23k | €17k | €30k | €14k | €9k |
| Employees (FTE) | 2.9 | 1.9 | 2.4 | - | 1.6 |
Ratios (computed)
| 2025 | 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|---|
| Current ratio | 1.09 | 1.08 | 1.68 | 1.46 | 1.77 |
| Quick ratio | 0.06 | 0.56 | 1.14 | 0.44 | 0.94 |
| Working capital ratio | 7.6% | 6.5% | 35.6% | 25.8% | 27.7% |
| Solvency | 17.6% | 16.1% | 47.8% | 44.1% | 63.9% |
| Debt / equity | 4.68 | 5.21 | 1.09 | 1.27 | 0.57 |
| Long-term debt ratio | - | - | - | - | - |
| Interest coverage | 4.29 | - | - | 9.92 | -7.09 |
| Gross margin | 12.4% | 11.9% | - | - | 6.4% |
| Net margin | 1.2% | 0.2% | - | - | -1.9% |
| ROA | 3.8% | 0.5% | 17.8% | 5.6% | -24.9% |
| ROE | 21.7% | 3.3% | 37.3% | 12.6% | -39.0% |
| EBITDA margin | 2.7% | - | - | - | -1.3% |
| Days sales outstanding | 2d | 76d | - | - | 4d |
| Days payable outstanding | 36d | 89d | - | - | 5d |
| Inventory turnover | 3.20 | 4.47 | - | - | 41.90 |
| Days inventory (DSI) | 114d | 82d | - | - | 9d |
Balance-sheet composition 2025
Full annual accounts (26 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Balance sheet, Assets | ||||||
| TOTAL ASSETS | 20/58 | €300k | €257k | €84k | €56k | €34k |
| Fixed assets | 21/28 | €30k | €25k | €10k | €10k | €12k |
| Intangible fixed assets | 21 | - | - | - | - | €2k |
| Tangible fixed assets | 22/27 | €5k | - | - | - | - |
| Financial fixed assets | 28 | €25k | €25k | €10k | €10k | €10k |
| Current assets | 29/58 | €270k | €232k | €73k | €46k | €21k |
| Stocks & contracts in progress | 3 | €255k | €111k | €23k | €32k | €10k |
| Amounts receivable within one year | 40/41 | €6k | €117k | €1k | €9k | €8k |
| Cash & bank | 54/58 | €9k | €4k | €49k | €5k | €3k |
| Balance sheet, Equity & liabilities | ||||||
| TOTAL EQUITY & LIABILITIES | 10/49 | €300k | €257k | €84k | €56k | €34k |
| Equity | 10/15 | €53k | €41k | €40k | €25k | €22k |
| Contributions / capital | 10/11 | €19k | €19k | €19k | €18k | €18k |
| Reserves | 13 | €2k | €2k | €2k | €2k | €2k |
| Accumulated profits (losses) | 14 | €32k | €21k | €20k | €5k | €2k |
| Amounts payable | 17/49 | €247k | €215k | €44k | €31k | €12k |
| Amounts payable within one year | 42/48 | €247k | €215k | €44k | €31k | €12k |
| Trade debts payable within one year | 44 | €81k | €121k | €15k | €21k | €5k |
| Income statement | ||||||
| Turnover | 70 | €931k | €565k | - | - | €447k |
| Gross operating margin | 9900 | €123k | €79k | €97k | €32k | €49k |
| Operating result | 9901 | €25k | €7k | €21k | €7k | €-8k |
| Financial income | 75 | - | - | - | - | €27 |
| Financial charges | 65 | €6k | €5k | €4k | €916 | €793 |
| Result before taxes | 9903 | €19k | €3k | €18k | €6k | €-8k |
| Income taxes | 67/77 | €7k | €1k | €3k | €3k | - |
| Net result for the period | 9904 | €11k | €1k | €15k | €3k | €-8k |
| Result to be appropriated | 9905 | €11k | €1k | €15k | €3k | €-8k |
Legal Structure
| NACE primary | Non-specialised retail sale with food, beverages or tobacco predominating(47110) |
| Legal form | Private limited company(610) |
| Incorporation | 13-06-2017 |
| Status | Active |
| Postal code | 1000 |
Establishment units
UZAM Librairie
since 20172.269.817.915
UZAM
since 20242.366.097.244
Real-estate footprint
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21809K0665/02L000 | Brussels | 211 m² | 1 · 176 m² | 15.0 m · 4 fl. |
| 21305B0191/00A014 | Brussels | 102 m² | 1 · 105 m² | 18.3 m · 5 fl. |
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates
Next filing, fiscal year 2026, expected by
2026
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
21-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 21 days late
2024
07-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2020net €15k ▲380%
Net result €15k, the highest in the series.
01-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 32 days late
2022
31-12
Financial
Back to profitnet €3k
Net result €3k after 2 loss-making years.
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
31-12
Financial
Weakest financial yearnet €-8k
Net result drops to €-8k, the lowest in the series; recovery starts the following year.
08-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 69 days late
2020
09-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 70 days late
2019
27-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 27 days late
2018
30-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 61 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Belgian State Gazette reading coverage
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Credit advice
Company registry (CBE)
Activities
Non-specialised retail sale with food, beverages or tobacco predominating47110Retail trade47112Retail trade47113Wholesale trade46360Other non-specialised retail sale47120Retail trade47191
Names & trade names
| Legal nameFR | UZAM |
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